We tried the DP for the first time last week. I thought I'd relax a bit more if I didn't have to worry about what my family was spending on food. The plan works as advertised, but it did not work for us. My DW refused to even try to understand the plan, or maximize it's use. She kept buying things OOP. She would get angry at me when I tried to encourage her to use the plan. At the end of our trip I discovered she had been paying for most snacks and such, and we had tons of unused credits. We essentially paid double for a lot of stuff.